Hi everyone, I'm Holly Mangan. I'm the managing editor of Money Crashers, a personal finance website dedicated to educating readers on better ways to manage finances. We cover everything from reducing monthly bills and choosing the best cash back credit cards to planning for retirement and preparing taxes. Today I'm lending my expertise on student loans and credit cards—specifically, the best ways to get out of debt. Have questions on payment plans, consolidation, interest rates, or creating a budget when loan payments take a big chunk of your income? I'm here for the next hour, so ask away!